The Impact Of Interest Rate Liberalization Reform On Commercial Banks Of China And Adaptation Strategies Study

According to18th Party meeting, which says to set up modern finance system to improve Economics.the interest rate liberalization reform is the key of finance system reform.In recent years, the People’s Bank of China also accelerating the pace of the adjustment for the interest rate liberalization reform.Undoubtedly, the interest rate liberalization reform is a sort of double-edged sword.on one hand,The interest rate liberalization reform promote china-s Commercial banks accelerate the transformation of their business model, business model and variety of innovation management, enhance their competitiveness,to meet the needs of economic and social development.on the other hand,The Interest rate liberalization reform also takes challenges to China’s commercial banks,reduce which,s Income from interest spread,decline the grose speed of Net profit, rising its risk.Meanwhile, the interest rate liberalization reform make different impact for different commercial banks.Early interest rate liberalization reform, as well as in the process of The interest rate liberalization reform, the impact on commercial banks are different.Faced with the challenge, In order to improve their ability to adapt to the market,and Lay the foundation for ruture development, different types of commercial banks should according to their operating characteristics to fine their management,and find their location to take the difference and characteristic road,Faced with the opportunities, how commercial banks adjust their customer base,and adjust market strategies to better seize the opportunity of the interest rate liberalization reform is an important issue the commercial banks need to solve.In order to study the influence of the interest rate liberalization reform for different commercial banks,as well as the adaptation strategies of commercial banks, as well as differences in the impact of the commercial banks.Based on the Financial Repression and Financial Deepening Theory,and the theory of interest rate decisions,this article analysis the Status quo of the interest rate liberalization reform.Combined with the advanced lessons of the typical country and regional,Use research Methods of comparative analysis, quantitative analysis, induction and deduction to make foundation for the following analysis of opportunities and challenges faced by the different types and scale of commercial banks in the initial and the process of the interest rate liberalization reform.Faced with these impacts,in order to adapt to the interest rate liberalization reform process,commercial banks should accelerate the space of the adjustment of the income structure, improve the capability of pricing, strengthening the management and control of the interest rate risk, and promote the commercial banks to shape the competitive advantage of different characteristics.